If you think you have not realized your risk appetite. (In this case you prefer “conservative” investments such as bonds and time deposits.

4 How do I choose the perfect mutual fund for me?

Check out the prospectus of the mutual fund. Look for the list of investment products into which the mutual fund is invested. If say, you have a million and these are the products (or similar products) you wish you have, then perhaps you agree to the fund manager’s choice.

Check out your existing portfolio. Do you wish to add a product that is not yet there? Or do you wish to add a product that shares the same risk as the existing ones have?

Check out your own purpose WHY you are investing. Is’t aligned with your objectives? Do you wish to hold it for years and use it for something grand or pleasurable in the future? Or do you wish to keep it instantly available in your ATM cards?

Check out other investors’ experience on the mutual fund you are eyeing. Are they satisfied? Do they want more? Or do they want it stricken off their portfolio? Visit forum, ask around, inquire to real investors.

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